In this powerful Thanksgiving episode of The Loan Arranger Radio Show, Bruce Woodburn from CrossCountry Mortgage breaks down the most common challenges facing today’s homebuyers, homeowners, and retirees — from affordability concerns to refinancing confusion to reverse mortgage misinformation. Bruce pulls back the curtain on today’s rate environment, the bond market, and the programs most banks won’t tell you about. He also shares personal stories, real client examples, and the mindset shifts that help families build generational wealth through real estate. Here’s what you’ll hear in this episode:

• How first-time buyers can break through affordability challenges with zero-down and low-down programs
• What to do if you're “golden handcuffed” to a 3% rate but need to move
• How to calculate your refinance break-even point in under 10 seconds
• The truth about reverse mortgages — who they're for, who they're not for, and why big-box lenders oversell them
• Asset-based, DSCR, bank-statement, USDA, and VA loans explained in plain English
• Why waiting for 4–5% rates again could cost you tens of thousands over time
• A shocking short-sale story and why choosing the wrong lender or agent can derail your entire transaction
• A market insight segment with Cleve Loveland — price trends, rate expectations, and 2026 forecasts
• A personal message from Bruce on overcoming hardship, building wealth, and getting your finances right for the future

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Bruce Woodburn, The Loan Arranger | 407.250.9144 | WeBringYouHome.com
CrossCountry Mortgage | 407.869.8830 | WeBringYouHome.com